First Home Buyers
Enter the Market With Clarity and Confidence.
Most first-home buyers feel overwhelmed before they even apply. We build you a personalised roadmap. Your borrowing power, deposit requirements, government grants, and exactly what to do next.
No credit check required.
Or explore the Smart Mortgage Calculator to crunch the numbers yourself.
Without Guidance
"I'll take whatever rate they offer me."
With Equifin
"I know my borrowing power is $850k. What's your most competitive offer?"
Common Challenges for First Buyers
Understanding these dynamics before you apply puts you in a significantly stronger position.
The Spending Assessment
Lenders assess your spending habits in detail. Certain discretionary patterns can reduce your borrowing capacity, often without you realising. We identify exactly what to adjust before you apply.
Costs Beyond the Deposit
Stamp duty, legal fees, and government charges can add up to $40,000 on top of your deposit. We calculate the complete picture so there are no surprises at settlement.
Limited Options Presented
Many buyers are only shown one or two loan products. We compare across our full panel of 44+ lenders to ensure you're seeing every viable option available to you.
Your Roadmap in Minutes
Build Your Personalised Plan
Input your financial details. Our planner analyses your position, checks government scheme eligibility, and builds a clear roadmap to ownership.
See the Full Picture
Deposits, stamp duty, fees, government charges, and grant eligibility, all calculated clearly so you understand the total cost of purchasing.
Move Forward With Confidence
Receive actionable steps to strengthen your application. Walk into a consultation prepared, with a clear understanding of your position.
Recommendation
Reduce discretionary spending by $200/mo to unlock an additional $30k in borrowing capacity.